Travel insurance
pre-existing medical conditions
If you have pre-existing medical conditions
you can get travel insurance.
Every case is unique.
Talk to an advisor.
Coverage for pre-existing medical conditions
Basically, a pre-existing medical condition is any disease, injury or illness that exists before your a travel insurance policy goes into effect. Most Canadian insurance companies will offer coverage for pre-existing medical conditions, but needless to say you should read the policy contract to take note of the exclusions, terms and conditions.
Stability, treatment, programmed tests, travel dates, medical health questionnaire, etc. must be taken into consideration to determine whether or not your medical conditions can be covered.
If your pre-existing medical condition is not stable, coverage can still be available under certain conditions. Contact me for more information.
This insurance is designed especially for:
- Permanent residents or Canadian citizens
- People with stable pre-existing medical conditions
- Canadians spending long periods outside the country (snowbirds)
Designed to protect your health on every trip
TRAVEL INSURANCE KEY BENEFITS
Emergency medical expenses covered up to $5M or $10M CAD
Hospitalization, medical fees and nursing services
Lab tests and prescription medication
Prescription drugs related to a covered medical emergency
Ambulance transportation and medical repatriation
24/7 assistance in your language
FREQUENTLY ASKED QUESTIONS
What are the requirements to apply for travel insurance for seniors with pre-existing conditions?
• Have your doctor’s ok to travel
• Be covered by the provincial health plan
• You are not travelling with the purpose to get medical treatment
• Answer the medical health questionnaire
• Pay the premium
I have a pre-existing medical condition but my doctor says I am good health
Insurance companies have different and sometimes opposing views from your doctor's when it comes to the assessment of health risks. It is in your best interest to get advise from a professional that can interpret the insurance contract considering your particular situation.
Is there an age limit for this type of insurance?
Most companies offer coverage up to age 85, although some provide options with no age limit.
What does emergency medical coverage include?
Emergency medical travel insurance will cover medical expenses incurred during a medical emergency while travelling out of your home province. Covered expenses include, amongst other things: hospitalization, doctor’s fees, prescription drugs, private nurse, ambulance, etc.
Usually, emergency medical travel insurance does not include Trip Cancellation - Interruption insurance. This is usually a stand alone coverage that can be offered in an All-Inclusive package or sold separately.
When do I have to purchase travel insurance?
You can purchase insurance a few days before departure, but it is in your best interest to contact an advisor to get an estimate before you book your plane tickets.
What happens if my health condition changes before travelling?
You must contact your advisor or the insurance company to get information on how your coverage might be affected and if it is necessary to make an amendement to the policy; specific exclusions may also apply.
PROTECT YOUR HEALTH
AVOID UNEXPECTED MEDICAL EXPENSES WHILE TRAVELLING
GET YOUR TRAVEL INSURANCE QUOTE IN MINUTES WITH PERSONALIZED ADVICE.
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